Nebraska Revised Statute 44-749

Chapter 44 Section 749


Sickness and accident insurance; discrimination prohibited; differences permitted.

No sickness and accident insurer shall make or permit any unfair discrimination between individuals of substantially the same hazard in the amount of premium rates charged for any policy or contract of such insurance or in the benefits payable thereunder. This section shall not prohibit different premium rates, different benefits, or different underwriting procedure for individuals insured under group, family expense, franchise, or blanket plans of insurance. This section shall not limit the negotiation of preferred provider policies and contracts under sections 44-4101 to 44-4113.


  • Laws 1947, c. 164, § 10, p. 465;
  • Laws 1984, LB 902, § 16;
  • Laws 1989, LB 92, § 150;
  • Laws 1995, LB 473, § 2.


  • Forbidden discrimination not present where group policy, under which husband, as member, and wife were insured, extended permanent total disability indemnity coverage only to husband; even if present wife would not be able to recover. Simmons v. Continental Cas. Co., 410 F.2d 881 (8th Cir. 1969).